The benefits of buying compared to renting

With Vaste Lasten Service, you can live more affordably, enjoy lower monthly costs, and invest in your future.

Lower monthly payments

Own your apartment for less than what you’re currently paying in rent

Build your own equity

Every payment you make goes toward building your own wealth

Protection from rent increases

No annual rent hikes to worry about

Tax benefits

Enjoy tax deductions that renting doesn’t offer

Pay less, get more!

With Vaste Lasten Service, you can own your studio for less than €800 net per month. After 30 years, your apartment will be fully paid off, and you won’t have any more monthly costs. Enjoy financial security without having to move.

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Less than
1100 p/m

The benefits of buying compared to renting

With Vaste Lasten Service, you can live more affordably, enjoy lower monthly costs, and invest in your future.

Financial advantage

Enjoy lower monthly costs and tax benefits

Fully owned in 30 years

No more rent, no more payments

Your value grows

Benefit from any potential increase in the value of your property

Frequently asked questions

We are an insurance and mortgage advisory office. Our team helps clients find the most suitable mortgage for their home, tailored to their personal situation and needs.

We work closely with a real estate agent who sells properties as soon as tenants move out. The agent contacts the owner to discuss whether you can buy the property. In over 80% of cases, this is successful. In the remaining 20%, we can often offer a similar property in the same building.

  • Renting: You pay a monthly fee to live in the property but remain a tenant. Maintenance is largely the responsibility of the landlord, and you do not build equity.
  • Buying: You become the owner of the property and usually pay a mortgage. You build equity through the property’s value but are responsible for maintenance and other costs.

As an owner, you automatically become a member of the Owners’ Association (VvE). This is mandatory for apartments and ensures the maintenance of shared areas. You pay a monthly fee, usually starting at €115, depending on the size of your property. The VvE handles:

  • Maintenance of communal areas and elevators.
  • Repairs to the roof, façade, and foundation.
  • Building insurance.
  • Major maintenance, such as painting or replacing installations.
  • Energy costs for communal facilities, such as lighting and elevators.

This depends on the property’s price and your financial situation. Generally, an annual income starting at €50,000 is often sufficient. If you earn less, there are options such as contributing your own funds, family assistance, or special schemes like Duokoop.

The selling price varies per property and depends on factors such as size and location. Prices start at €240,000.

The €195,000 listed on Funda is the asking price. In the current Eindhoven housing market, apartments are often sold above the asking price. All comparable apartments have recently been sold for €240,000, depending on the square meters. This reflects a realistic sale price based on current market trends.

No, this is not an issue. We assist clients of all nationalities in arranging a mortgage.

On average, the process from application to approval takes about 4 to 6 weeks, depending on your situation and the complexity of your application.

Yes, it is possible. Banks often require an employer’s statement indicating that your contract is likely to be extended. Alternatives include using income from multiple sources or demonstrating financial stability.

If you encounter payment difficulties, we recommend contacting your lender as soon as possible. Banks often offer solutions, such as temporary payment arrangements or adjusting your mortgage terms.

A starter loan helps bridge the gap between the property’s purchase price and the maximum mortgage you can get. This is particularly helpful for first-time homebuyers.

Yes, you can purchase a property with a partner, family member, or friend. This is called a joint mortgage, and the bank will assess both of your incomes.

NHG is a safety net for homebuyers. It provides additional security and often lower mortgage interest rates, but there are maximum property prices and income limits to qualify.

Disclaimer

Please note: Taking out a mortgage involves risks. If you are unable to meet the monthly payments, the lender may be forced to sell your property. The net monthly costs of less than €800 are an indication and may vary depending on your personal financial situation, interest rates, and tax regulations. Future value development of your property is not guaranteed and may fluctuate. Tax benefits depend on your income and applicable tax rules at the time of deduction. Vaste Lasten Service provides independent mortgage advice tailored to your personal situation and preferences. Vaste Lasten Service holds a license under the supervision of the Dutch Authority for the Financial Markets (AFM).